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Typically, to qualify for a new credit card, you need to meet the card issuer’s underwriting requirements — including the minimum credit criteria. If you don’t have a long credit history or a strong credit score, asking if someone can cosign for a credit card for you can help you get approved.

However, this type of arrangement should be approached cautiously for various reasons. Before getting a credit card with a cosigner, here’s what you need to know.

What Is a Credit Card Cosigner?

A credit card cosigner is an individual who agrees to be responsible for a primary cardholder’s debt. If the primary cardholder fails to make payments or defaults on their debt, the cosigner is expected to assume their financial burden by repaying the outstanding debt, regardless of the circumstances that led to the account’s status.

Because of how a credit card works, a cosigner should ideally have a strong credit score and a solid credit history.

Why Might Someone Need a Cosigner to Open a Credit Card Account?

A person might decide to secure a cosigner for credit card applications if they have less than a “good” credit score (meaning below 670). This is because applicants who don’t have strong credit might find it harder to get approved for a new credit card at a low APR.

Additionally, credit card applicants must meet age requirements to get a credit card. Applicants who are under 21 years old are required to secure a cosigner if they can’t prove their ability to repay the card using their own income. This credit card rule from the Credit Card Accountability Responsibility and Disclosure Act of 2009 — also known as the Credit CARD Act — was designed to avoid predatory lending practices toward young cardholders.

Even if an applicant is 21 or older, they might need a credit card cosigner if they don’t have sufficient income. Keep in mind, however, that many credit card companies don’t allow for cosigners, so searching for one that does could increase the amount of time to get a credit card.

Parties Involved in Cosigning a Credit Card Account

Aside from the credit card issuer, there are two parties involved when opening a new credit card with a cosigner: the cardholder and the cosigner.

The Credit Card Holder

The individual who is the primary cardholder is the person whose income, age, or credit doesn’t meet the card issuer’s minimum requirements. If they successfully acquire a willing cosigner for a credit card application, the account is under the cardholder’s name. The cardholder is also the individual who will receive the physical credit card to use toward purchases.

As the primary cardholder, they’re still considered the first party that’s responsible for making on-time monthly payments for at least the minimum balance due.

Recommended: When Are Credit Card Payments Due

The Cosigner

A cosigner is an individual who meets the card issuer’s underwriting requirements. They provide a financial guarantee that vouches for the cardholder. This financial responsibility is taken on by the cosigner as soon as the credit card application is approved.

Typically, cosigners don’t enjoy the perks of using the physical credit card. They don’t have access to the credit line, nor do they have ownership of the goods that were paid for using the credit card.

However, if the cardholder fails to pay back their credit card debt, the card issuer will immediately seek payment from the cosigner. Credit card companies can also report late payments and default notices to the credit bureaus, and those updates will adversely impact a cosigner’s credit score and appear on their credit report.

Pros and Cons of Credit Card Cosigning

As mentioned previously, there are reasons to approach becoming a credit card cosigner with caution. However, there are positives to cosigning as well.

Credit Card Cosigner vs. Authorized User

Getting a credit card with a cosigner is different from being added as an authorized user on a credit card under someone else’s account. A cardholder can choose to add an authorized user to either their new or existing credit card account.

Authorized users can get their own physical credit card with their name on it. They can use the card to pay for goods and services, in the same way a primary cardholder uses the card.

However, unlike a cosigned credit card, the authorized user doesn’t have any legal responsibility to repay the debt they’ve put on the card. In this arrangement, the primary cardholder still bears that responsibility. Still, any account activity — whether positive or negative — impacts the primary cardholder’s credit as well as that of the authorized user.

This option is often used to help someone build their credit or simply access borrowing power. For example, parents may add their child as an authorized user on a credit card.

Recommended: Tips for Using a Credit Card Responsibly

Credit Card Cosigning vs. Joint Accounts

Cosigners don’t have access to the line of credit. Through a joint account, however, both parties have equal borrowing power through the credit card, as well as equal financial responsibility for the debt incurred. In other words, both parties are responsible for paying outstanding balances on the credit card — even if the purchase was made by only one person.

Joint accounts are commonly used by individuals who share other financial responsibilities together, such as spouses, family members, or business partners. Since the account is shared and both parties are liable for the account, both of their credit scores and credit reports are impacted by the card’s activity.

Recommended: Does Applying For a Credit Card Hurt Your Credit Score

Alternatives to Cosigning a Credit Card

Outside of the above options, there are a couple of alternatives to applying for a credit card with cosigner support.

•   Secured credit cards: Secured credit cards are a useful credit-building tool for primary cardholders who would otherwise not qualify for an unsecured card. Credit card requirements for a secured credit differ a bit, as a deposit is needed that acts as collateral and usually becomes the card’s credit limit. The deposit is returned when the account is closed.

•   Guarantor loans: Unlike a cosigned credit card that holds the cosigner responsible for the debt from the start, a guarantor loan only puts legal responsibility on the cosigner if the lender has exhausted all other options through the primary borrower. This marks a major difference between a guarantor and cosigner. Plus, a fixed loan is a known quantity of debt, rather than a revolving line like a credit card is.

Recommended: What is the Average Credit Card Limit

The Takeaway

Becoming a credit card cosigner or asking someone to cosign a credit card is a huge responsibility that poses significant risk for the cosigner. Only consider this route if both parties — the primary cardholder and cosigner — understand the implications and can financially handle the debt that’s put on the card.

Whether you're looking to build credit, apply for a new credit card, or save money with the cards you have, it's important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.

FAQ

What is the minimum credit score for a cosigner?

Cosigners typically need a minimum credit score of 670, which is considered “good” based on the FICO credit scoring model. Credit requirements, however, vary by card issuer. Before securing a cosigner for a credit card, ask the issuer about its cosigner criteria.

Can I cosign for a credit card with my child?

Some credit card issuers allow parents to cosign on a credit card for their child. However, not all issuers provide this option. If the desired card issuer doesn’t permit cosigners, another option is adding your child as an authorized user on your personal credit card.

Is it possible to get a credit card with a cosigner?

Technically, yes, it is possible to get a credit card with a cosigner. However, this option isn’t always offered by major credit card companies.

Whose credit score is impacted with a cosigned credit card?

If the primary cardholder is late on their payments or defaults on the credit card debt, the cosigner’s credit is adversely affected. Additionally, the cosigned card is considered another open account on the cosigner’s credit record so it can impact their ability to secure their own loans, if needed.

Photo credit: iStock/PeopleImages

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

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This summer, President Joe Biden announced that individuals who earn $125,000 or less per year will be eligible for $10,000 in federal student loan cancellation. A big caveat: You cannot benefit from forgiveness from the federal government if you’ve refinanced your entire federal student loan amount.

We’ll go over the details of who qualifies for the new, one-time student loan forgiveness plan, how refinancing affects eligibility for federal benefits, and reasons why some individuals may want to refinance anyway.

How Federal Student Loan Forgiveness Works

Student loan forgiveness means that you are no longer required to pay back all or a portion of your federal student loans. Federal student loans are student loans that come directly from the federal government. President Biden’s proposed forgiveness will be available only to people paying down federal loans, not private loans.

The plan includes important updates to the federal student loan system:

•  Individuals who earn less than $125,000 per year ($250,000 for married couples) will be eligible for $10,000 in student loan cancellation.

•  Pell Grant recipients can receive up to $20,000 in debt cancellation.

•  The pause on federal student loan payments has been extended through Dec. 31, 2022.

•  Borrowers with undergraduate loans on income-driven repayment plans could cap their payments at 5% of their monthly expenses, down from 10%.

•  Loan balances would be forgiven after 10 years of payments, down from 20 years, for loan balances of $12,000 or less.

Further details will be released in the weeks ahead. For a deep dive into the announcement, including reactions from the plan’s supporters and critics, read Student Debt Relief: Biden Cancels Up to $20K for Qualifying Borrowers.

How Refinancing Affects Forgiveness

When you refinance a student loan, a new, private lender pays off your old loan (or multiple loans) and replaces it with a new loan. A private lender may replace either a federal loan(s) or another private loan. Both federal loans and private loans are converted to a new private loan — you cannot refinance to another federal student loan.

It’s important to understand that the portion of a federal student loan that is refinanced (meaning you don’t have to refinance the entire amount) would lose federal loan benefits. Those benefits include:

•  Eligibility for federal student loan forgiveness.

•  Income-based repayment plans: payment plans intended to be affordable based on your income and family size.

•  Deferment: a temporary pause in student loan payments where no interest accrues on your loans.

•  Forbearance: also a temporary pause, but one during which interest may accrue on your loans.

See below for details on each of these benefits.

How Student Loan Refinancing Works

Borrowers refinance student loans for several reasons, including:

•  Lowering your interest rate: Lowering your interest rate means you’ll pay less in interest over time, which can save you money in the long run.

•  Changing to a fixed or variable rate: A fixed interest rate is a rate that doesn’t change throughout the loan term. On the other hand, a variable interest rate will change depending on the underlying interest rate benchmark. Refinancing can give you the option to choose between either a fixed or variable rate.

•  Lowering your monthly payment: If you prefer to pay a little less on your loan payments per month, you may want to consider lowering your monthly payment. In this case, your lender will extend your repayment period. This means that it will take you longer to repay your loan — and note that you’ll pay more in interest over time.

•  Shortening your repayment period: If you choose to shorten your repayment period, your monthly payment will go up. However, you’ll save money in interest over the life of the loan.

To refinance, you can shop around with different lenders to check their interest rates and terms. You’ll need to supply private lenders with your name, address, degree type, student loan debt totals, income amounts, housing costs, and more. The information you’ll need to supply generally depends on individual lenders. After that, the lender will run a soft credit check. Lenders should then present you with several offers, including various terms and interest rates (both fixed and variable rates).

Before you decide on the right private lender for you, check on origination fees (the upfront charge to process an application), any prepayment penalties if you were to pay off the loan early, customer service capabilities, and the overall costs to you.

Next, you’ll offer further information to your lender, including proof of citizenship, a valid ID, and pay stubs and/or tax returns. The lender will likely then run a hard credit check, and you’ll go through a final approval process.

Check out our guide to student loan refinancing for a complete overview of how to refinance a student loan.

Recommended: 7 Tips to Lower Your Student Loan Payment

Protections for Federal Student Loans

When you trade federal student loans for a refinance, you give up certain federal student loan benefits, including guaranteed postponement and income-driven repayment options.

Guaranteed Postponement

As mentioned earlier, postponement options include deferment and forbearance. In both cases, you can contact your loan servicer for information and instructions on how to defer your loans. In most cases, you’ll have to fill out a form.

Here are some details about both deferment and forbearance to understand what you’d be giving up by refinancing:

•  Deferment: As mentioned earlier, deferment means you access a temporary pause in student loan payments during which no interest accrues on your federal student loans. Federal Direct Loan, Federal Family Education (FFEL) Program loan, and Perkins Loan borrowers can access deferment options. You may qualify for deferment in a few different ways, including while undergoing cancer treatment, during economic hardship, during a graduate fellowship program, while you’re in school, while completing military service or through post-active duty, if you are a Parent PLUS borrower and your student is still in school, while in a rehabilitation training program, and/or if you’re unemployed.

•  Forbearance: While you can get a temporary pause on your federal student loans through forbearance, interest might accrue on your loans. You must continue to pay any interest that accrues during the forbearance period. There are two types of forbearance: general and mandatory.

•  General forbearance: You may be able to obtain general forbearance if you experience financial difficulties, medical expenses, a change in your employment status, and other factors. If you have federal Direct Loans, FFEL Program loans, and/or Perkins Loans, you may be able to use general forbearance for no more than 12 months at a time. You can request another general forbearance later. However, over time, you can only obtain three years’ worth of general forbearance.

•  Mandatory forbearance: Your loan servicer must grant a mandatory forbearance for federal Direct Loans and FFEL Program loans under the following circumstances: You receive a national service award while serving in AmeriCorps, under the U.S. Department of Defense Student Loan Repayment Program, during a medical or dental internship or residency program, or as a member of the National Guard activated by a governor. You can also access a mandatory forbearance if the amount you owe each month for all the federal student loans you received is 20% or more of your total monthly gross income or if you qualify for teacher loan forgiveness. You can qualify for mandatory forbearance for no more than 12 months at a time but may request mandatory forbearance when your current forbearance period expires.

Income-Driven Payment

As mentioned earlier, through an income-driven repayment plan, your monthly student loan payment gets set at an amount that reflects your income and family size. You can consider four income-driven repayment plans and fill out an application to be considered for one:

•  Revised Pay As You Earn Repayment Plan (REPAYE Plan): When you access a repayment plan, your monthly payment is recalculated based on a percentage of your discretionary income. In this case, the REPAYE Plan will whittle down your payment to 10% of your discretionary income, and you’ll pay your loans back over 20 years (for loans for your undergraduate education) or 25 years (for loans for your graduate or professional education). If you have an eligible federal student loan, you can generally make payments through the REPAYE Plan.

•  Pay As You Earn Repayment Plan (PAYE Plan): Your monthly payment will generally amount to 5% of your discretionary income and never more than the 10-year Standard Repayment Plan amount. You’ll repay your loans over 10 years. You may qualify if you have higher debt than your annual discretionary income or if your debt represents a significant amount of your annual income. Additionally, you must be a new borrower in order to be eligible.

•  Income-Based Repayment Plan (IBR Plan): Under Biden’s new plan, your monthly payment will generally amount to 5% of your discretionary income if you’re a new borrower (on or after July 1, 2014) but will never amount to more than the 10-year Standard Repayment Plan amount. If you’re not a new borrower (on or after July 1, 2014) your monthly payment will generally amount to 15% of your discretionary income and will never add up to more than the 10-year Standard Repayment Plan amount. For new borrowers, the plan will last for 10 years. If you’re not a new borrower, your plan will last 25 years. You’ll generally qualify if your federal student loan debt is higher than your annual discretionary income or represents a large portion of your annual income.

•  Income-Contingent Repayment Plan (ICR Plan): Your payment will be calculated based on the lesser of these two factors: 20% of your discretionary income or what you would pay on a repayment plan with a fixed payment over 12 years, adjusted based on income. You’d repay for 25 years as long as you qualify with an eligible federal student loan.

Recommended: REPAYE vs PAYE: What’s the Difference?

Are There Any Protections for Private Student Loans?

Private loans generally don’t qualify for forgiveness and offer fewer protections than federal loans. However, it’s worth looking into the protection and hardship options for various private lenders.

Based on a search of top private lenders, check out the table below to walk through the types of programs offered by various private student loan lenders:

Can Private Student Loans Be Forgiven by the Federal Government?

As noted above, private student loans do not qualify for federal loan forgiveness. However, there are several other alternatives that you can consider through your private loan lender. Though you can’t apply for income-driven repayment plans or take advantage of federal student loan forgiveness, your private loan lender can walk you through your options in order to avoid delinquency or default on your loans.

Can Refinanced Student Loans Be Forgiven by the Federal Government?

You may be wondering, “does refinanced student loan forgiveness exist?” Since refinanced student loans turn into private loans, refinanced student loans cannot be forgiven by the federal government, one of the key differences between federal vs. private student loans. That said, when refinancing, you choose the amount. So if you refinance everything but the $10,000 or $20,000 you expect to be forgiven, that remaining amount of federal student debt still has federal protections and is eligible for forgiveness.

You may have also have heard about the possibility of the Biden administration offering loan forgiveness on a wide scale and may wonder, “Will refinanced student loans be forgiven in addition to non-refinanced private loans?” Unfortunately, the current plan applies only to certain federal student loans, and there is no proposal to include refinanced student loans in the future. The administration would likely not be able to forgive the loans of private student loan borrowers or in the case of refinanced student loans.

Options to Consider When You’re Unable to Make Your Student Loan Payments

As mentioned, it’s a good idea to contact your loan servicer to calmly explain how you’re having trouble making your student loans. In most cases, your lender will work with you to discuss a schedule for affordable payments.

Here are a few other options you may want to consider in this situation:

•   Put together a budget: Putting yourself on a budget may help you allocate the right amount toward all of your expenses, including your student loans.

•   Get an extra job: Consider getting an extra job in order to generate more income to put toward your student loans.

•   Cut expenses: It’s easy to spend too much on subscriptions, cable, or other things. Cutting expenses could free up money so you have more to put toward your student loans.

•   Explore student loan modification: You may also pursue a student loan modification, or a change to the terms and conditions of the repayment of an existing student loan. Learn how student loan modification works.

•   Refinance: Finally, consider refinancing your student loans to a private loan lender to lower your interest rate or your payments. You can use our calculator for student loan refinance rates to see how much refinancing could potentially save you.

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Explore Student Loan Refinancing With SoFi

Because refinancing federal student loan(s) means converting them to a private student loan, the amount of federal debt that you refinance will no longer be eligible for federal forgiveness or other federal benefits. So if you are eligible for Biden’s one-time forgiveness, you can leave out the amount you expect to be forgiven — and refinance the rest.

If you think a refinance fits your needs, don’t forget to look into all of the benefits and drawbacks that apply to your particular lender. For example, if you’ll owe a penalty if you pay off your student loans early, you may want to explore other options. Check out refinancing student loans now with SoFi, which offers competitive rates and charges no prepayment penalties.

FAQ

Can private student loans be forgiven?

You cannot access the same loan forgiveness options for private student loans that you can get with federal student loan forgiveness. However, don’t discount the private student loan protections you can take advantage of when you want to refinance your student loans.

Can you get your student loans forgiven if you can’t afford them?

Yes, you can get your federal student loans forgiven as long as you meet the eligibility requirements — but it’s important to remember the key words “federal student loans.” You cannot get private student loans forgiven.

When will student loans be forgiven?

On Aug. 24, 2022, President Joe Biden announced that individuals who earn less than $125,000 per year will be eligible for $10,000 in federal student loan cancellation and Pell Grant recipients are eligible for an additional $10,000 of forgiveness. Since then, there have been legal challenges to the student debt relief, and a court-ordered stay.

Photo credit: iStock/damircudic

SoFi Student Loan Refinance
SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org). SoFi Student Loan Refinance Loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Public Service Loan Forgiveness, Income-Based Repayment, Income-Contingent Repayment, PAYE or SAVE. Additional terms and conditions apply. Lowest rates reserved for the most creditworthy borrowers. For additional product-specific legal and licensing information, see SoFi.com/legal.

When debt accumulates on a high-interest card, interest starts to add up as well, making it harder to pay off the total debt — which, in turn, can become a credit card debt spiral. If you end up with mounting debt on a high-interest credit card, a balance transfer is one possible way to get out from under the interest payments.

A balance transfer credit card allows you to transfer your existing credit card debt to a card that temporarily offers a lower interest rate, or even no interest. This can provide an opportunity to start paying down your debt and get out of the red zone. But before you make a balance transfer, it’s important that you fully understand what a balance transfer credit card is and have carefully read the fine print.

How Balance Transfers Work


The basics of balance transfer credit cards are fairly straightforward: First, you must open a new lower-interest or no-interest credit card. Then, you’ll transfer your credit card balance from the high-interest card to the new card. Once the transfer goes through, you’ll start paying down the balance on your new card.

Generally, when selecting to do a balance transfer to a new credit card, consumers will apply for a card that offers a lower interest rate than they currently have, or a card with an introductory 0% annual percentage rate (APR). Generally, you need a solid credit history to qualify for a balance transfer credit card.

This introductory period on a balance transfer credit card can last anywhere from six to 21 months, with the exact length varying by lender. By opening a new card that temporarily charges no interest, and then transferring your high-interest credit card debt to that card, you can save money because your balance temporarily will not accrue interest charges as you pay it down.

But you need to hear one crucial warning: After the introductory interest-free or low-APR period ends, the interest rate generally jumps up. That means if you don’t pay your balance off during the introductory period, it will start to accrue interest charges again, and your balance will grow.

Recommended: How to Avoid Interest On a Credit Card

What to Look For in a Balance Transfer Card


There are a number of different balance transfer credit cards out there. They vary in terms of the length of no-interest introductory periods, credit limits, rewards, transfer fees, and APRs after the introductory period. You’ll want to shop around to see which card makes sense for you.

When researching balance transfer credit cards, try to find a card that offers a 0% introductory APR for balance transfers. Ideally, the promotional period will be on the longer side to give you more breathing room to pay off your debts before the standard APR kicks in — one of the key credit card rules to follow with a balance transfer card.

You’ll also want to keep in mind fees when comparing your options. Balance transfer fees can seriously eat into your savings, so see if you qualify for any cards with $0 balance transfer fees. If that’s not available, at least do the math to ensure your savings on interest will offset the fees you pay. Also watch out for annual fees.

Last but certainly not least, you’ll want to take the time to read the fine print and fully understand how a credit card works before moving forward. Sometimes, the 0% clause only applies when you’re purchasing something new, not when transferring balances. Plus, if you make a late payment, your promotional rate could get instantly revoked — perhaps raising your rate to a higher penalty APR.

Should I Do a Balance Transfer?

Sometimes, transferring your outstanding credit card balances to a no-interest or low-interest card makes good sense. For example, let’s say that you know you’re getting a bonus or tax refund soon, so you feel confident that you can pay off that debt within the introductory period on a balance transfer credit card.

Or, maybe you know that you need to use a credit card to cover a larger purchase or repair, but you’ve included those payments in your budget in a way that should ensure you can pay off that debt within the no-interest period on your balance transfer card. Again, depending upon the card terms and your personal goals, this move could prove to be logical and budget-savvy.

Having said that, plans don’t always work out as anticipated. Bonuses and refund checks can get delayed, and unexpected expenses can throw off your budget. If that happens, and you don’t pay off your outstanding balance on the balance transfer card within the introductory period, the credit card will shift to its regular interest rate, which could be even higher than the credit card you transferred from in the first place.

Plus, most balance transfer credit cards charge a balance transfer fee, typically around 3% — and sometimes as high as 5%. This can add up if you’re transferring a large amount of debt. Be sure to do the math on how much you’d be saving in interest payments compared to how much the balance transfer fee will cost.

Recommended: When Are Credit Card Payments Due

Balance Transfer Card vs Debt Consolidation Loan

Both a personal loan and a balance transfer credit card essentially help you pay off existing credit card debt by consolidating what you owe into one place — ideally at a better interest rate. The difference comes in how each works and how much you’ll ultimately end up paying (and saving).

A debt consolidation loan is an unsecured personal loan that allows you to consolidate a wider range of existing personal debt, including credit card debt and other types of debt. Basically, you use the personal loan to pay off your credit cards, and then you just have to pay back your personal loan in monthly installments.

Personal loans will have one monthly payment. Plus, they offer fixed interest rates and fixed terms (usually anywhere from one to seven years depending on the lender), which means they have a predetermined payoff date. Credit cards, on the other hand, typically come with variable rates, which can fluctuate based on a variety of factors.

Just like balance transfer fees with a credit card, you’ll want to look out for fees with personal loans, too. Personal loans can come with origination fees and prepayment penalties, so it’s a good idea to do your research.

How to Make a Balance Transfer

If, after weighing the pros and cons and considering your other options, you decide a balance transfer credit card is the right approach for you, here’s how you can go about initiating a balance transfer. Keep in mind that you’ll need to have applied for and gotten approved for the card before taking this step.

Balance-Transfer Checks


In some cases, your new card issuer will provide you with balance-transfer checks in order to request a transfer. You’ll need to make the check out to the credit card company you’d like to pay (i.e., your old card). Information that you’ll need to provide includes your account information and the amount of the debt, which you can determine by checking your credit card balance.

Online or Phone Transfers

Another way to initiate a balance transfer is to contact the new credit card company to which you’re transferring the balance either online or over the phone. You’ll need to provide your account information and specify the amount you’d like to transfer to the card. The credit card company will then handle transferring the funds to pay off the old account.

The Takeaway

Whether you should consider a balance transfer credit card largely depends on whether the math checks out. If you can secure a better interest rate, feel confident you can pay off the balance before the promotional period ends, and have checked that the balance transfer fees won’t cancel out your savings, then it may be worth it to make a balance transfer.

Whether you're looking to build credit, apply for a new credit card, or save money with the cards you have, it's important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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